Skip to main content

PayU Payment Gateway Integration

PayU is a leading payment gateway that enables businesses to accept digital payments across 50+ emerging markets, with a strong presence in India. It supports over 150 payment methods, including credit/debit cards, net banking, UPI, wallets, BNPL (Buy Now, Pay Later), and EMI options, serving over 500,000 merchants. PayU offers features like one-click checkouts, recurring payments, instant refunds, and robust fraud prevention, making it ideal for e-commerce, subscriptions, and cross-border transactions.

This guide walks you through integrating PayU into your application, from account creation to live deployment.

Step 1: Log in or Sign Up​

  1. Visit PayU: Go to PayU India (or your regional site, e.g., PayU Global) and click Get Started or Sign Up to create a merchant account, or Log In if you have one.
  2. Account Creation: Provide your email, business name, phone number, and details like company type (e.g., proprietorship, Pvt. Ltd.). Select a plan if prompted (basic integration is free with transaction fees).
  3. Email Verification: Check your inbox for a verification email from PayU and click the link to activate your account.
  4. Dashboard Access: Log in to the PayU Dashboard at dashboard.payu.in (India) or your regional equivalent to manage payments, API keys, and settings. A test environment is available for development.

Step 2: Set Up Your Account​

Before processing payments, configure your PayU account:

  1. Complete Your Profile:

    • In the Dashboard, go to Settings > Business Details.
    • Enter your business information: legal name, address, GSTIN (India), and website URL (required for live transactions).
    • For individuals, provide personal details like PAN card info.

  2. Business Verification (Required for Live Mode):

    • Navigate to Settings > KYC.
    • Submit documents such as business registration (e.g., GST certificate, Shop Act License), bank account proof, and ID (e.g., PAN, Aadhaar for India).
    • Verification takes 1-3 business days; you’ll receive an email once approved.

  3. Add a Settlement Bank:

    • Go to Settings > Bank Details.
    • Add your bank account (e.g., IFSC code, account number for India) for payouts. PayU may send a test deposit to verify.
    • Settlement cycles vary (e.g., T+1 or weekly).

  4. Test Mode: Use the test environment at test.payu.in with test credentials to simulate transactions without verification.

Step 3: Obtain API Credentials​

PayU provides credentials for integration:

  • Merchant Key: A public identifier for your account (e.g., JPM7Fg).
  • Merchant Salt: A secret key for hashing requests (e.g., xyz789abc).
  • Test vs. Live: Test credentials are available immediately; live credentials require verification.
How to Get Your Credentials:​
  1. Log in to the PayU Dashboard.
  2. Go to Integration > API Keys (or Settings > Integration Details).
  3. Find:
    • Merchant Key: Displayed openly (e.g., JPM7Fg).
    • Merchant Salt: Click to reveal or generate a new one.
  4. Key Security: Keep the Merchant Salt confidential—use it only server-side. Copy both credentials securely.
  5. Add these to your application’s Admin Panel under System Settings > Payment Gateways > PayU.

Step 4: Configure Payment Methods​

PayU supports over 150 payment methods, customizable in the Dashboard:

  1. Go to Settings > Payment Methods.
  2. Available methods include:
    • Cards: Visa, MasterCard, RuPay (enabled by default).
    • Net Banking: 50+ Indian banks.
    • UPI: 140+ apps (e.g., Google Pay, PhonePe).
    • Wallets: Paytm, Airtel Money, etc.
    • BNPL/EMI: Options like LazyPay (requires opt-in).
  3. Enable desired methods by toggling them on. Contact support@payu.in for additional options or cross-border payments.
  4. These methods will appear in your checkout flow once integrated.

Step 5: Set Up Webhooks​

Webhooks notify your server of payment events (e.g., transaction success):

  1. In the Dashboard, go to Integration > Webhooks.
  2. Click Add Webhook.
  3. Webhook URL:
    • Enter the URL from your application (e.g., https://yourwebsite.com/webhooks/payu).
    • Find this URL in your Admin Panel under PayU settings.
    • Ensure your endpoint accepts POST requests and returns a 200 OK response.
  4. Events: PayU sends events like:
    • status=success: Payment completed.
    • status=failure: Payment failed.
    • Use the mihpayid (PayU transaction ID) to track payments.
  5. Save the webhook. Secure it by validating the hash (see Step 7).
  6. Testing: Use the test environment to simulate webhook calls.

Step 6: Set Up Credentials in Our Dashboard​

Integrate PayU into your application:

  1. Log in to your application’s Admin Panel.
  2. Navigate to System Settings > Payment Gateways > PayU.

PayU API Keys

  1. Fill out the configuration form:

PayU API Keys

  1. Detailed Fields:

    • Supported Currencies: Select currencies enabled on your PayU account (e.g., INR, USD for cross-border). Contact support for additional currencies.
    • Active: Toggle “On” to enable PayU payments.
    • Live Mode: Toggle “Off” for test, “On” for live transactions.
    • Merchant Key: Enter your Merchant Key (e.g., JPM7Fg).
    • Merchant Salt: Enter your Merchant Salt (e.g., xyz789abc).
    • Webhook URL: Copy this URL and paste it into the PayU Dashboard’s webhook settings.
    • Minimum Amount: Set a floor (e.g., ₹10) to avoid small transactions.
    • Maximum Amount: Set a ceiling (e.g., ₹1,00,000) based on your needs.
    • Fixed Charge: Add a flat fee (e.g., ₹5) per transaction, if applicable.
    • Percentage Charge: Add a percentage fee (e.g., 1%) on top of PayU’s fees (e.g., 2% + GST).

  2. Click Submit to save. Your PayU gateway is now configured.

Step 7: Test the Integration​

Test your setup in Test Mode:

  1. Enable Test Mode:
    • In your Admin Panel, ensure Live Mode is off and use test credentials.
    • Use the test endpoint: https://test.payu.in/_payment.
  2. Simulate Payments:
    • Use PayU’s test cards:
      • Success: 5123 4567 8901 2346, expiry 05/25, CVV 123.
      • Failure: 4111 1111 1111 1111, expiry 05/25, CVV 123.
    • Test UPI with success@payu or net banking with test banks.
  3. Hash Calculation: Generate a hash for requests using: sha512(key|txnid|amount|productinfo|firstname|email|udf1|udf2|udf3|udf4|udf5||||||salt). Validate the response hash similarly.
  4. Verify Webhooks:
    • Check your server logs for webhook events (e.g., status=success).
    • Ensure payment statuses update in your Admin Panel (e.g., “Paid,” “Failed”).
  5. Debugging: If issues arise, check the Dashboard’s Transactions tab or use the Verify Payment API.

Step 8: Enable Live Mode​

After successful testing:

  1. PayU Dashboard:
    • Ensure your account is verified and ready for live transactions.
    • Log in to dashboard.payu.in.
  2. Admin Panel:
    • Go to System Settings > Payment Gateways > PayU.
    • Toggle Live Mode to “On”.
    • Confirm your Merchant Key and Salt match live credentials.
    • Update the endpoint to https://secure.payu.in/_payment.
    • Save the changes.
  3. Webhook Confirmation: Verify the webhook URL is set in the live Dashboard.

Step 9: Go Live​

Launch your PayU integration:

  1. Start Accepting Payments:
    • Customers can now pay via enabled methods at checkout.
    • Monitor initial transactions for issues.
  2. Live Verification:
    • In the Dashboard, go to Transactions to track payments in real-time.
    • Confirm settlements to your bank account (e.g., T+1 or weekly).
  3. Troubleshooting:
    • If payments fail, review error logs in the Dashboard or contact support@payu.in.
    • Ensure your webhook endpoint remains active.

Additional Tips​

  • PayU Fees: 2% + GST per transaction (India standard plan); international rates vary. No setup or annual fees. See pricing.
  • Documentation: Explore the PayU Developer Docs for APIs like refunds, subscriptions, or split payments.
  • Support: Contact support@payu.in or use the Dashboard’s live chat for assistance.

Note:​

If you need further help, our support team is available 24/7. Reach out at softivus@gmail.com or through the Admin Panel. Let’s make your PayU integration seamless and successful!